The Pacific Northwest knows how to save for a rainy day.

Much like every journey begins with a single step, every savings goal starts with that first account. To help you towards whatever your savings goals may be, we start every member off with at least one savings account. If you have a goal, we have a solution to get you there.


Become a Member

Already a member?
Open a New Account

Secure your phone, identity, and credit score with Northwest Secure™ Checking.

See What's Covered

Get to Know Our Options for Saving & Spending Wisely

Open a Savings Account

Regular Savings

All NWCU members start with a regular savings account.

Min. to Open
Rates
$10
Up to 0.10% APY
View rates


Tomorrow Savings

Open additional savings accounts for different savings goals.

Min. to Open
Rates
$1
Up to 0.10% APY
View rates


IRA Savings

Save with the tax benefits* of an IRA.

Min. to Open
Rates
$250
Up to 0.20% APY
View rates

*Consult a tax professional about the advantages of an IRA.


Member Fees and Charges

Open a Checking Account 

  • All checking accounts include a debit card featuring beautiful northwest scenery.
  • Perks include smartphone check deposits and secure mobile payments through Apple Pay®, Google Pay™ and Samsung Pay®.
  • Our Round Up & Save feature rounds up every debit card purchase to the nearest dollar and puts the funds in your savings. Save without a second thought!
  • Keep your Northwest Visa® cards safe and secure with CardValet® app—control your card’s access, spending limits, and more!


Northwest Checking™

Earn interest when you meet the monthly qualifications.

Qualifications
Interest Rates
Annual Percentage Yield

Qualifications Met*
0.300%
0.30% APY
View rates
Qualifications Not Met*
0.000%
0.00% APY
View rates

*To meet the qualifications to earn interest on the Northwest Checking Account, you must meet all monthly qualifications: 1) Five (5) settled debit card transactions; 2) One (1) Direct Deposit or ACH Deposit; 3) One (1) login to Internet Banking OR Mobile Banking; and 4) active enrollment in eStatements.


Northwest Secure™ Checking

Northwest Secure checking offers everything you get with Northwest Checking. For a low cost of $4.00 per month, you'll also get a complete suite of identity theft detection and recovery benefits to protect more than your money. 

These features include:

  • Proactive ID theft monitoring services
  • Identity theft recovery services
  • Mobile device protection

See more details or sign in to the nxg|PROTECT site.

Note: MONITORING SERVICES ARE PROVIDED TO THE PRIMARY ACCOUNT HOLDER ON AN ENTITLED BASIS AND REQUIRE CONSUMER ACTION BEFORE THE SERVICES ARE ACTIVE. Proactive Monitoring Services are applicable to individuals age 18 and older who have a valid credit file. Credit Services are provided by TransUnion®, subject to change. The credit score provided may not be consistent with the score model used by a lender, and therefore cannot be relied upon to determine creditworthiness for any particular loan opportunity.


Northwest Passage Checking

Northwest Passage Checking gives you all the convenience of a checking account without earning interest. 

Interest
Annual Percentage Yield

0.000%
0.00% APY
View rates

Member Fees and Charges

Super Investor's Money Market Account

Keep your savings liquid while earning on your balance.

Min. to Open
Rates
$2,500
0.10% to 1.00% APY
View rates


Super Investor's IRA Money Market

The benefits of liquidity with the added tax advantages of an IRA.*

Min. to Open
Rates
$2,500
0.15% to 1.05% APY
View rates

*Consult a tax professional about the possible tax benefits of an IRA.

Member Fees and Charges
Open an Account
Traditional CDs

From 90 days to 5 years, our traditional CDs offer a lot of choices. Rates effective as of October 30, 2018.

Term Lengths
Min to Open
Rates

3–60 months
$500
0.40% to 2.00% APY Range
View rates
SPECIAL! 14-month CD  $500 2.00% APY View rates


Variable Rate Add-On CDs

Allows you to "Add-On" at any time, with variable rates to help keep current. Rates effective as of July 9, 2018.

Term Lengths
Min to Open
Rate

24 months
$500
1.30% APY
View rates


Member Fees and Charges

Save to Win CD—Every $25 deposited gets you an entry for monthly drawings from $25 and quarterly drawings from $100–$5,000.*

Term Lengths
Min. to Open
Rate
12 months
$25
0.70% APY
View rates and Official Rules

*One (1) entry for every $25 increase in the monthly balance for the member in a Qualifying Certificate Account at month's end, with a maximum of ten (10) entries per month, per member.

How It Works:

  • Members must be 18 or older and a resident of Save to Win participating states.
  • Minimum opening deposit and minimum balance is $25.
  • Every $25 deposited counts as an entry for the monthly and quarterly drawings. This can be cumulative and doesn't need to be deposited in exact $25 increments.
  • You can deposit as many times as you'd like each month or all at once, but you can only earn 10 drawing entries per month, per member.
  • You can make a maximum of one (1) withdrawal during the 12-month period; this will have a $25 fee. Amount withdrawn will affect your entries for the month.
  • Any money you win from the prize drawings is yours and will be disbursed into your primary savings account. It may be subject to tax reporting. Fees may reduce earnings on the account.
  • Odds of winning depend on number of entries received. Sponsor: Northwest Community Credit Union, PO Box 10607, Eugene, OR 97440.
Call (800) 452-9515 or visit a local branch to open a Save to Win account today.
Member Fees and Charges
IRA Savings

Save with the tax benefits* of an IRA. Rates effective as of July 9, 2018.

Min to Open
Rate
$250
Up to 0.20% APY
View rates


Super Investor's IRA Money Market 

The benefits of liquidity with the added tax advantages of an IRA.* Rates effective as of July 9, 2018.

Min to Open
Rate
$2,500
0.15% to 0.55% APY
View rates


IRA (Traditional & Roth) CDs

The benefits of liquidity with the added tax advantages of an IRA.* Rates effective as of July 9, 2018.

Min to Open
Term Lengths
$500
3 months to 60 months
View rates



IRA (Traditional & Roth) Variable Rate Add-On CDs

The benefits of liquidity with the added tax advantages of an IRA.* Rates effective as of July 9, 2018.

Min to Open
Term Lengths
$500
24 months
View rates

* Consult a tax professional about the benefits of an IRA.

Call (800) 452-9515 or visit a local branch to open an IRA today. 

Member Fees and Charges
Open an Account 
Youth Share Savings

Open with a minimum deposit of just $1. Once a child has a Youth Savings Account, he or she can choose to participate in our Sprout Savings program. (0–17 years)

Balance
Rates
$0.01 to $99.99
0.000% interest rate
0.00% APY
View rates
$100+
0.100% Interest Rate
0.10% APY
View rates


Youth Northwest Checking

Available for 13- to 17-year-olds with a parent/guardian co-signer.

Qualifications
Rates
Qualifications Met*
0.300% Interest Rate
0.30% APY
View rates
Qualifications Not Met*
0.000% Interest Rate
0.00% APY
View rates

*To meet the qualifications to earn interest on the Northwest Checking Account, you must meet all monthly qualifications: 1) Five (5) settled debit card transactions; 2) One (1) Direct Deposit or ACH Deposit; 3) One (1) login to Internet Banking OR Mobile Banking; and 4) active enrollment in eStatements.



Youth Certificates of Deposit (CD)

Open with as little as $100, with unlimited additional deposits for the lifetime of the CD. (0–17 years)

Term Lengths
Balance
Rates
12 months
$100+
0.797% Interest Rate
0.80% APY
View Rates
Member Fees and Charges
eBanking

eBanking allows you to do your banking whenever it's convenient for you. You can:

  • check your balances
  • pay your bills
  • transfer money
  • set up automatic phone, text, or email alerts
  • deposit checks using your mobile device

You can access eBanking through this site or download our mobile app (available for Apple or Android) to do everything from your smartphone or tablet. The mobile app has the added benefit of allowing you to deposit checks by taking a picture with your mobile device. 

Get Started with eBanking


eStatements

Getting your statements online is a smart move. By opting in to eStatements, you:

  • may be eligible for additional discounts on certain loans
  • keep your statements secure because they'll never get lost or stolen in the mail
  • cut down on paper used to print mailed statements

Sign up for eStatements


BillPay

Our eBanking offers you BillPay, which makes sure you'll never miss a bill again! You can pay bills automatically every month or log in and pay them manually. BillPay also allows you to transfer money to friends and family, even if they're not NWCU members. 

Learn How to Use BillPay


Android Pay™, Apple Pay™, and Samsung Pay®

Our mobile pays allow you to set up any NWCU debit or credit card and pay with your mobile device. It's more secure than using your card because mobile pays don't pass your card information to retailers. 

Learn More About Mobile Pays


CardValet®

This handy app allows you to manage any NWCU credit or debit card. You can:

  • turn your card on/off
  • set spending limits for certain retailers 
  • restrict purchases to your geographic location 
  • decline purchases and detect fraud earlier 

Learn More About CardValet

Electronic Services Agreement

Plan for next winter!

Check out our 14-month CD special at 2.00% APY!

See the Details